Looking for Estate Sale Insurance?
Protect your estate sale business from liability claims, property damage, theft, and responsibility for client belongings. Harper provides insurance for estate liquidators, auction services, and estate cleanout professionals, with fast certificates for executors, attorneys, and property owners.
What is Estate Sale Insurance?
Estate sale insurance protects liquidation businesses from risks such as customer injuries, property damage, theft, and bailee liability for estate contents in your care. Coverage commonly includes general liability, bailee’s coverage, and inland marine protection for items transported or stored off-site. Executors, estate attorneys, and property owners often require proof of insurance before engaging liquidation services.
Bailee’s Coverage
Protects estate contents while in your possession, custody, or control during sorting, staging, sales, and temporary storage.
General Liability
Covers third-party injuries (like slips and falls) and accidental property damage during estate sales and on-site operations.
Inland Marine Coverage
Protects high-value items during transport or when stored off-site, depending on the terms of your policy.
Certificates
Fast proof of insurance for executors, estate attorneys, property owners, and client agreements.
Who Needs Estate Sale Insurance?
- Estate sale companies : Businesses requiring specialized insurance coverage
- Estate liquidators : Businesses requiring specialized insurance coverage
- Auction and resale services : Businesses requiring specialized insurance coverage
- Estate cleanout professionals : Businesses requiring specialized insurance coverage
Why Harper?
Estate Liquidation Expertise
Estate sales involve high foot traffic and the handling of valuable, sentimental items. Harper understands the risks tied to client property, theft exposure, and on-site liability, and places coverage designed for estate liquidation operations.
Fast Proof for Executors & Property Owners
Executors and property owners often require insurance documentation before granting access or approving service agreements. Harper delivers accurate certificates quickly to keep projects moving.
Clear, Practical Guidance
We explain bailee’s coverage, inland marine, and general liability in plain terms so you understand what protects client property and what protects your business.
Coverage Matched to Your Services
Whether you run estate sales, online auctions, appraisals, or cleanouts, Harper helps align coverage with how you handle, store, and transport estate contents.
Frequently Asked Questions
What insurance do estate sale businesses need?
Most estate sale businesses need general liability for customer injuries and property damage, bailee’s coverage for items in your care, and inland marine coverage for transporting or storing items off-site. Workers compensation is required if you have employees.
Is estate sale insurance required?
Often, yes. Executors, estate attorneys, and property owners typically require proof of insurance, especially bailee’s coverage, before allowing liquidation work to begin.
How much does estate sale insurance cost?
Costs vary by sale volume and the typical value of estate contents. Many estate sale businesses pay around $1,000–$3,000 annually, depending on exposure and services.
Does insurance cover damaged items?
Bailee’s coverage may protect estate contents damaged while in your care during staging, sale operations, transport, or storage, subject to policy terms and exclusions.
Does insurance cover theft during sales?
Coverage can include theft protection, but requirements may vary. Security measures, staffing, and inventory controls can affect coverage terms and claim outcomes.
Can I add property owners as additional insureds?
Yes. Property owners may request to be added as additional insureds or loss payees. Harper assists with certificates and endorsements as required.